Beyond Savings: 3 Safe Ways to Start Investing in Brazil (2026 Guide)
If you still keep all your money in a "Poupança" (savings account), you are effectively losing money to inflation. Even with the Selic rate projected to settle around 12% this year, standard savings accounts simply can't keep up.
For those ready to move from "saver" to "investor," here are the three safest pillars for 2026:
Tesouro Selic: The gold standard for emergency funds. It is 100% guaranteed by the government and allows you to withdraw your money any business day.
CDBs (100% CDI): Offered by banks like Nubank, Inter, or Itaú. They pay more than savings and are protected by the FGC (Credit Guaranty Fund) up to R$250,000.
LCI and LCA: These are the "hidden gems" for 2026 because they are tax-free (Isento de Imposto de Renda). If you don't need the money for 90 days or more, these often yield more than a standard CDB.
Start small: You don't need thousands of Reais. You can start with as little as R$30 in the Tesouro Direto. The most important step is simply starting.